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	人生七大保单 | 杨玉启理财工作室
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        <div class="model-title">人生七大保单</div>
        <p class="model-time">2015/04/03 19:17  杨玉启 阅读 5130 </p>
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        <p><img src="./bdnj/6356368546506555263522802.jpg" title="zz77C52cYx2ETj2cCX8tsT8xAmMjjs.jpg" alt="zz77C52cYx2ETj2cCX8tsT8xAmMjjs.jpg"><br></p><p><br></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><strong style="font-size: 18px;"><span style="font-family: 宋体; color: red;">第一张：意外保单</span></strong></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">我们不知道明天和意外哪个先到，从我们独立开始需要我们做的事情太多了：创业打拼，积累财富买房买车，成家赡养父母</span>.......<span style="font-size: 18px; font-family: 宋体;">意外险提供生命与安全的保障，功能是身故给付、残疾给付，买意外险是对生命的保障更体现了对父母养育之恩的报答。意外医疗是附加险必要的选择，意外发生医疗赔偿，门诊、住院都能赔。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><strong><span style="font-size: 18px; font-family: 宋体; color: red;">第二张：重疾医疗保单</span></strong></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp; 30<span style="font-size: 18px; font-family: 宋体;">岁，
我们已经害怕体检，我们拿着不薄的薪水，小心的规划着未来。生活似乎在按照设想中一步步推进，但是内心只有那么一点点不安。一大半的都市人处于亚健康状
态，大病发病率越来越高，发病年龄越来越低。在感冒一次也能支出上千元的今天，我们的社会医疗保险给付让人没有安全感，疾病是家庭财政的黑洞，足以让数年
努力攒下的银子一瞬间灰飞烟灭。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">重疾医疗保单，是转移风险</span>,<span style="font-size: 18px; font-family: 宋体;">获得保障的方式，也是理财的最佳选择之一。将一部分钱用于购买大病医疗险，出险的情况下可以获得赔付，不出险最终也会获得不错的回报。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><strong><span style="font-size: 18px; font-family: 宋体; color: red;">第三张:养老险保单</span></strong>&nbsp;&nbsp;&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp; 30<span style="font-size: 18px; font-family: 宋体;">年以后谁来养你？这是我们不得不考虑的问题。当我们越来越习惯高质量生活方式的时候，是否想到未来的生活水准可能会一落千丈？很多城市居民都只有一个孩子，当未来两个孩子负担</span>4<span style="font-size: 18px; font-family: 宋体;">个老人的局面时，对孩子无疑也是一种巨大的压力。规划自己的养老问题，也是对自己和儿女负责的体现。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">在能赚钱的年龄考虑养老是有必要的，也是不可回避的。在资金允许的情况下，应该开始考虑买一份养老保险。养老保险兼具保障与理财功能，有可以抵御一部分通货膨胀的影响。养老保险应当尽早购买，买的越早，获得优惠也大。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><strong><span style="font-size: 18px; font-family: 宋体; color: red;">第四张:保障财富的人寿保单</span></strong></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">我们早已不在拒绝花明天的钱来消费。贷款买房，买车，都市里的负翁越来越多，贷款的日子虽然过得有滋有味，但也有压力</span>:<span style="font-size: 18px; font-family: 宋体;">万一家庭出了问题，谁来还那</span>&nbsp;<span style="font-size: 18px; font-family: 宋体;">几十万甚至更多的银行贷款？</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">没有人能担得起这个风险，因此要尽早把风险转移出去，用保险作为个人以及家庭的财富保障。当然，这个阶段，财产险和车险也是必不可少的。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><strong><span style="font-size: 18px; font-family: 宋体; color: red;">第五</span><span style="font-size: 18px; color: red;">--</span><span style="font-size: 18px; font-family: 宋体; color: red;">六张:子女的教育及意外险保单</span></strong></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">结婚后，昔日的单身贵族开始承担对家庭的责任。从孩子出生之日起，为子女的教育准备一笔资金是当务之急。教育的费用越来越昂贵，读个大学要数以万计。更不必说对孩子爱好的培养，学体育、学音乐、请家教，诸如此类都是高昂的开支。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">好在小孩出生是在父母壮年时期，收入高，经济来源稳定，此时有能力给孩子提供良好的教育基金。给您的孩子准备一份完善的教育保障，面对不断升高的教育支出就后顾无忧了。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;&nbsp;<span style="font-size: 18px; font-family: 宋体;">少儿意外险是孩子的另一张必备保单。少儿更爱动，更好奇，比成人更容易受到意外伤害。少儿意外险保障程度高，可以为不慎出险的孩子提供必要的医疗帮助。</span></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;">&nbsp;</span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><strong><span style="font-size: 18px; font-family: 宋体; color: red;">第七张:财产增值保单</span></strong></span></p><p style="font-size: 16px; orphans: 2; white-space: normal; widows: 2;"><span style="font-size: 18px;"><span style="font-size: 18px; font-family: &#39;Times New Roman&#39;;">&nbsp; &nbsp; &nbsp;</span><span style="font-size: 18px; font-family: 宋体;">如
果您觉得以上六张保单都没有必要，那您就得考虑财产增值的保单，您如果不希望自己辛苦挣来的财产在身后被未来可能开征的遗产税侵蚀，您如果希望将自己的财
产能确保给到指定的人，您如果不想由于某些财务问题而影响家庭，现在就将部分资产放进保险公司，保险公司将在法律规定的范围内祝您达成愿望，并可能帮您放
大资产。</span></span></p><p><br></p>
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